A couple of other points to mention about commercial property loans. Do your own research! Only certain banks work with SBA loans. I was able to put 10% down and get special low interest financing thanks to the government. This program was coordinated through the Chamber of Commerce. I also talked to the village office. They steered me towards community revitalization grants through the county and I was awarded matching grants to renovate the building's exterior and I coordinated it with a low interest energy improvement loans. The bank also helped me with a construction loan at closing to replace the HVAC and make it handicap accessible.